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Learning to Cope: Voluntary Financial Education and Loan Performance during a Housing Crisis

Author

Listed:
  • Sumit Agarwal
  • Gene Amromin
  • Itzhak Ben-David
  • Souphala Chomsisengphet
  • Douglas D. Evanoff

Abstract

No abstract is available for this item.

Suggested Citation

  • Sumit Agarwal & Gene Amromin & Itzhak Ben-David & Souphala Chomsisengphet & Douglas D. Evanoff, 2010. "Learning to Cope: Voluntary Financial Education and Loan Performance during a Housing Crisis," American Economic Review, American Economic Association, vol. 100(2), pages 495-500, May.
    • Handle: RePEc:aea:aecrev:v:100:y:2010:i:2:p:495-500
    Note: DOI: 10.1257/aer.100.2.495
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    Citations

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    Cited by:

    1. Margaret Miller & Julia Reichelstein & Christian Salas & Bilal Zia, 2015. "Can You Help Someone Become Financially Capable? A Meta-Analysis of the Literature," The World Bank Research Observer, World Bank, vol. 30(2), pages 220-246.
    2. Agarwal, Sumit & Amromin, Gene & Ben-David, Itzhak & Chomsisengphet, Souphala & Evanoff, Douglas D., 2014. "Predatory lending and the subprime crisis," Journal of Financial Economics, Elsevier, vol. 113(1), pages 29-52.
    3. Matthias Sutter & Michael Weyland & Anna Untertrifaller & Manuel Froitzheim, 2020. "Financial literacy, risk and time preferences - Results from a randomized educational intervention," Working Papers 2020-27, Faculty of Economics and Statistics, Universität Innsbruck.
    4. Nicole Jonker & Anneke Kosse, 2020. "The interplay of financial education, financial literacy, financial inclusion and financial, stability: Any lessons for the current Big Tech era?," Working Papers 692, DNB.
    5. Anil Kumar, 2018. "Do Restrictions on Home Equity Extraction Contribute to Lower Mortgage Defaults? Evidence from a Policy Discontinuity at the Texas Border," American Economic Journal: Economic Policy, American Economic Association, vol. 10(1), pages 268-297, February.
    6. Kuchler, Theresa & Pagel, Michaela, 2021. "Sticking to your plan: The role of present bias for credit card paydown," Journal of Financial Economics, Elsevier, vol. 139(2), pages 359-388.
    7. Paolo Crosetto & Alexia Gaudeul, 2011. "Do consumers prefer offers that are easy to compare? An experimental investigation," Jena Economics Research Papers 2011-044, Friedrich-Schiller-University Jena.
    8. Sutter, Matthias & Weyland, Michael & Untertrifaller, Anna & Froitzheim, Manuel & Schneider, Sebastian O., 2023. "Financial Literacy, Experimental Preference Measures and Field Behavior – A Randomized Educational Intervention," IZA Discussion Papers 16102, Institute of Labor Economics (IZA).
    9. Sumit Agarwal & Gene Amromin & Claudine Gartenberg & Anna L. Paulson & Sriram Villupuram, 2014. "Homebuilders, Affiliated Financing Arms and the Mortgage Crisis," Economic Perspectives, Federal Reserve Bank of Chicago, issue Q II, pages 38-51.
    10. Peter de Goeij & Geert Van Campenhout & Marjana SubotiÄ, 2018. "Improving Index Mutual Fund Risk Perception: Increase Financial Literacy or Communicate Better?," Economic Notes, Banca Monte dei Paschi di Siena SpA, vol. 47(2-3), pages 519-552, July.
    11. Turnbull, Geoffrey K. & van der Vlist, Arno J., 2022. "The price of ignorance: Foreclosures, uninformed buyers and house prices," Journal of Housing Economics, Elsevier, vol. 57(C).
    12. Margarida Abreu & Victor Mendes, 2018. "Do Individual Investors Trade Differently in Different Markets?," Working Papers REM 2018/26, ISEG - Lisbon School of Economics and Management, REM, Universidade de Lisboa.
    13. Albertazzi, Ugo & Fringuellotti, Fulvia & Ongena, Steven, 2024. "Fixed rate versus adjustable rate mortgages: Evidence from euro area banks," European Economic Review, Elsevier, vol. 161(C).
    14. Justine Hastings & Christopher A. Neilson & Seth D. Zimmerman, 2015. "The Effects of Earnings Disclosure on College Enrollment Decisions," Working Papers 2015-1, Princeton University. Economics Department..
    15. Tim Kaiser & Lukas Menkhoff, 2017. "Does Financial Education Impact Financial Literacy and Financial Behavior, and If So, When?," The World Bank Economic Review, World Bank, vol. 31(3), pages 611-630.
    16. Nicole Jonker & Anneke Kosse, 2022. "The interplay of financial education, financial inclusion and financial stability and the role of Big Tech," Contemporary Economic Policy, Western Economic Association International, vol. 40(4), pages 612-635, October.
    17. Stacy, Christina Plerhoples & Theodos, Brett & Bai, Bing, 2018. "How to prevent mortgage default without skin in the game: Evidence from an integrated homeownership support nonprofit," Journal of Housing Economics, Elsevier, vol. 39(C), pages 17-24.
    18. French, Declan & McKillop, Donal, 2016. "Financial literacy and over-indebtedness in low-income households," International Review of Financial Analysis, Elsevier, vol. 48(C), pages 1-11.
    19. Crosetto, Paolo & Gaudeul, Alexia, 2012. "Do consumers prefer offers that are easy to compare? An experimental investigation," MPRA Paper 41462, University Library of Munich, Germany.
    20. Guiso, Luigi & Pozzi, Andrea & Tsoy, Anton & Gambacorta, Leonardo & Mistrulli, Paolo Emilio, 2022. "The cost of steering in financial markets: Evidence from the mortgage market," Journal of Financial Economics, Elsevier, vol. 143(3), pages 1209-1226.
    21. Agarwal, Sumit & Amromin, Gene & Ben-David, Itzhak & Chomsisengphet, Souphala & Evanoff, Douglas D., 2015. "Financial literacy and financial planning: Evidence from India," Journal of Housing Economics, Elsevier, vol. 27(C), pages 4-21.
    22. Li, Tianshi & Yang, Tina & Zhu, Jigao, 2022. "Directors’ and officers’ liability insurance: Evidence from independent directors’ voting," Journal of Banking & Finance, Elsevier, vol. 138(C).
    23. Morris Irungu Kariuki PhD, 2022. "Effect of Debt Experiences on The Indebtedness of Employees in The Formal Sector in Kenya," International Journal of Research and Innovation in Social Science, International Journal of Research and Innovation in Social Science (IJRISS), vol. 6(10), pages 414-423, October.
    24. Duca, John V. & Kumar, Anil, 2014. "Financial literacy and mortgage equity withdrawals," Journal of Urban Economics, Elsevier, vol. 80(C), pages 62-75.
    25. José J. Cao‐Alvira & Amalia Novoa‐Hoyos & Alexander Núñez‐Torres, 2021. "On the financial literacy, indebtedness, and wealth of Colombian households," Review of Development Economics, Wiley Blackwell, vol. 25(2), pages 978-993, May.

    More about this item

    JEL classification:

    • D14 - Microeconomics - - Household Behavior - - - Household Saving; Personal Finance
    • G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Micro Finance Institutions; Mortgages
    • G28 - Financial Economics - - Financial Institutions and Services - - - Government Policy and Regulation

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